659 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 659 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	5 bd · 4.5 ba · 3,009 sqft · built 2018
Owner	2 Company Names on File
Last Sale	$748,000 (Dec 2018)
Tax Bill	$12,781 (2025)
Deeds & Mortgages	Dec 2023 Transfer Dec 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-08-03`

Property Details

APN / Parcel Number

Primary APN	`222-173-08-03`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,009 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	659 GEMSTONE DR
City	SAN MARCOS
State	CA
Zip	92078-1409
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPECIFIC P
Legal Description	LOT 28 US 81 PER DOC18-0160207&UND INT IN PHASE 7 TR 016159
Legal Subdivision	15-006 RHO CORONADO VILLAGE M
Legal Tract	016159
Legal Block	4
Legal Lot Number	28
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4001
Census Tract	20044

Owner

659 Gemstone Dr, a condominium, is owned by a company that acquired it in October 2023.

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	659 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2023	Intrafamily Transfer, Transfer
Dec 14, 2023	Intrafamily Transfer, Transfer
Dec 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2018 · Amount on File
Deed Sale	Dec 13, 2018 · Amount on File
Deed Document Number	2018510641
Last Transfer Date	Oct 20, 2023
Transfer Doc	0000344407
Record Updated	Sep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 14, 2023
Property Address	659 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000344407
Map Reference	MAP 16159
Instrument Date	Oct 20, 2023
Instrument	2023-0344407
Transaction Type	Transfer
Record Updated	Dec 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	659 GEMSTONE DR, SAN MARCOS, CA 92078-1409

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 14, 2023
Property Address	659 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000344405
Map Reference	MAP 16159
Instrument Date	Sep 30, 2022
Instrument	2023-0344405
Transaction Type	Transfer
Record Updated	Dec 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	659 GEMSTONE DR, SAN MARCOS, CA 92078-1409

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	659 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000578210
Date	Dec 11, 2019
Instrument	2019-0578210

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	San Marcos City
Unified School District	San Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$851,092 (+2%) Land $341,347 Building $509,745
2025	$12,781.00 (+7.06%)	$834,404 (+4.04%) Land $334,654 Building $499,750
2023	$11,938.00 (+2.09%)	$802,005 Land $321,660 Building $480,345
2022	$11,694.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 659 Gemstone Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 659 Gemstone Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VALLECITOS WD serves 114,700 people · EPA ID CA3710002
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2022
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 468 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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